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[Company Name]

Disclosures

Last updated: [Month Year — placeholder]

1. Truth in Lending disclosure

In accordance with the Truth in Lending Act (Republic Act No. 3765), we are required to disclose finance charges and other relevant credit information to borrowers in writing before a loan agreement is signed. This includes, where applicable, the finance charge expressed as an annual percentage rate, the schedule of payments, and any fees. No such figures are published generally on this website because they depend on the specific product, term, and applicant profile — they are provided individually before signing.

2. Regulatory status

[Company Name] operates as a lending/financing company subject to registration and supervision requirements under applicable Philippine law, including the Lending Company Regulation Act of 2007 (Republic Act No. 9474) or the Financing Company Act, as applicable. Registration details (SEC Certificate of Authority number, etc.) will be added here once confirmed.

3. Fees and charges

Any interest, processing fees, penalty charges, or other amounts that may apply to a loan are itemized and disclosed to the borrower in writing before signing. No fee is charged that was not disclosed in advance.

4. Fair collection practices

Collection activities, where applicable, are conducted in a manner consistent with applicable law and regulatory guidance on fair debt collection practices, including restrictions on harassment, threats, or public disclosure of a borrower's debt.

5. Consumer complaints

Borrowers with concerns about their loan or our conduct may raise them directly with us using the details on our Contact page. Unresolved concerns may also be raised with the relevant regulator for lending/financing companies in the Philippines.

6. No investment or financial advice

Nothing on this website constitutes personalized financial, investment, tax, or legal advice. Prospective borrowers should seek independent advice where appropriate.